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20260413_BBRI_Ringkasan Risalah//Risalah RUPS_32070348_lamp2.pdf
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ANNOUNCEMENT
SUMMARY OF MINUTES OF ANNUAL GENERAL MEETING OF SHAREHOLDERS
PT BANK RAKYAT INDONESIA (PERSERO) Tbk.
The Board of Directors of PT Bank Rakyat Indonesia (Persero) Tbk. (the “Company”) hereby announces
to the Shareholders that the Company has conducted the 2026 Annual General Meeting of Shareholders
Year 2026 (the ”Meeting”) as follows:
A. Date/Date, Venue, Time, and Meeting Agenda
Day/Date : Friday, April 10 2026
Venue : BRILiaN Tower, Jl. Gatot Subroto, Nomor 177A, Jakarta Selatan
Time : 14.17 – 15.53 WIB
Agenda : 1. Approval of Annual Report and Ratification of the Company’s Consolidated
Financial Statements, Approval of the Board of Commissioners’ Supervisory
Report as well as Ratification of Financial Statements of the Micro and Small
Enterprise Funding Program (PUMK) for the Financial Year 2025, and Grant
of Release and Discharge of Liability (volledig acquit et de charge) to the
Board of Directors for the Management Actions of Company and the Board
of Commissioners for the Supervisory Actions performed during the
Financial Year of 2025.
2. Determination of Appropriation of the Company's Net Profit for the
Financial Year of 2025.
3. Determination of Salary/Honorarium Including Facilities and Allowances for
the Financial Year 2026 and Remuneration for Performance for the
Financial Year 2025 Determined for the Company's Board of Directors and
Board of Commissioners.
4. Appointment of the Public Accountants at the Public Accounting Firm to
Audit the Company's Consolidated Financial Statements for the Financial
Year 2026 and the Financial Statements of the PUMK Program for the
Financial Year 2026.
5. Delegation of authority to approve the Corporate Long-Term Plan (RJPP)
for 2026–2030 and the Annual Work Plan and Budget (RKAP) for 2027,
including any amendments thereto, from the General Meeting of
Shareholders to the party appointed by the General Meeting of
Shareholders.
6. Report on the Realization of the Utilization of Proceeds from Bank BRI
Social Bond I Phase I 2025 and Social Bond I Phase II 2026
7. Amendments to the Company’s Articles of Association.
B. Chairman of the Meeting and Attendance of the Board of Commissioners and Board of
Directors
The meeting was chaired by Kartika Wirjoatmodjo (President Commissioner), in accordance with the
Board of Commissioners’ Letter No. R.38-KOM/03/2026 dated March 31, 2026, and was attended in
person by members of the Board of Commissioners and the Board of Directors of the Company as
follows:
Board of Commissioners
President Commissioner : Kartika Wirjoatmodjo
Vice President Commissioner/ Independent Commissioner : Parman Nataatmadja
Commissioner : Helvi Yuni Moraza
Commissioner : Awan Nurmawan Nuh
Independent Commissioner : Edi Susianto
Independent Commissioner : Lukmanul Khakim
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Board of Directors
President Director : Hery Gunardi
Vice President Director : Viviana Dyah Ayu Retno Kumalasari
Director of Legal & Compliance : Mahdi Yusuf
Director of Operations : Hakim Putratama
Director of Network & Retail Funding : Aquarius Rudianto
Director of Treasury & International Banking : Farida Thamrin
Director of Micro : Akhmad Purwakajaya
Director of Commercial Banking : Alexander Dippo Paris Y.S.
Director of Consumer Banking : Aris Hartanto
Director of Finance & Strategy : Ahmad Royadi
Director of Risk Management : Ety Yuniarti
Director of Information Technology : Saladin Dharma Nugraha Effendi
C. Attendance of Shareholders
The shares who are present and/or represented at the Meeting amount to 128,446,044,306 shares
or representing 85.303% of the total shares with valid voting rights issued by the Company.
D. Meeting Resolutions Mechanism
The resolution of the Meeting shall be adopted by consensus. In the absence of consensus,
resolutions shall be made through voting.
E. Independent Vote Counting Party
The counting of votes as the basis of Meeting’s resolutions was conducted by PT Datindo Entrycom
as the Share Registrar. Furthermore, the validation is executed by Fathiah Helmi, S.H., a Notary in
Jakarta.
F. Question and/or Opinions Session, and Voting Result in the Meeting
Shareholders or their Proxies were given the opportunity to submit questions and/or opinions for
each Meeting Agenda. The number of Shareholders or their proxies, both attending physically and/or
electronically, that submitted questions and/or opinions during the Meeting, as well as the results of
the voting, including votes submitted via e-Proxy through eASY.KSEI, are as follows:
Agenda Affirmative Dissenting Abstain Total of Questions/
Votes Votes Affirmative Opinions
Votes*
First 125,299,296,274 1,995,681,102 1,151,066,930 126,450,363,204 4 (four)
votes or votes or votes or votes or
representing representing representing representing
97.550% of total 1.553% of total 0.896% of total 98.446% of total
shares with valid shares with valid shares with valid shares with valid
voting rights voting rights voting rights voting rights
present in the present in the present in the present in the
Meeting Meeting Meeting Meeting
Second 127,605,198,985 802,522 votes or 840,042,799 128,445,241,784 -
votes or representing votes or votes or (none)
representing 0.0006248% of representing representing
99.345% of total total shares with 0.654% of total 99.999% of total
shares with valid valid voting shares with valid shares with valid
voting rights rights present in voting rights voting rights
present in the the Meeting present in the present in the
Meeting Meeting Meeting
Third 126,460,739,929 1,074,625,338 910,679,039 127,371,418,968 -
votes or votes or votes or votes or (none)
representing representing representing representing
98.454% of total 0.836% of total 0.708% of total 99.163% of total
shares with valid shares with valid shares with valid shares with valid
voting rights voting rights voting rights voting rights
present in the present in the present in the present in the
Meeting Meeting Meeting Meeting
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Fourth 124,300,688,911 2,106,473,006 2,038,882,389 126,339,571,300 -
votes or 96.772% votes or 1.639% votes or 1.587% votes or (none)
of total shares of total shares of total shares 98.360% of total
with valid voting with valid voting with valid voting shares with valid
rights present in rights present in rights present in voting rights
the Meeting the Meeting the Meeting present in the
Meeting
Fifth 117,107,643,417 9,299,538,176 2,038,862,713 119,146,506,130 -
votes or 91.172% votes or 7.240% votes or 1.587% votes or (none)
of total shares of total shares of total shares 92.759% of total
with valid voting with valid voting with valid voting shares with valid
rights present in rights present in rights present in voting rights
the Meeting the Meeting the Meeting present in the
Meeting
Sixth This agenda is for reporting purpose only. Therefore, the Company did not -
conduct any voting for this Meeting resolution. (none)
Seventh 118,268,631,310 9,321,883,471 855,529,525 119,124,160,835 -
votes or 92.076% votes or 7.257% votes or 0.666% votes or (none)
of total shares of total shares of total shares 92.742% of total
with valid voting with valid voting with valid voting shares with valid
rights present in rights present in rights present in voting rights
the Meeting the Meeting the Meeting present in the
Meeting
Remarks:
*)In accordance with the Company's Articles of Association and Financial Services Authority
Regulation (‘POJK’) No.15/POJK.04/2020 concerning the Planning and Conducting of General
Meeting of Shareholders of Public Companies, the votes of Abstain are deemed to cast the same
vote as the majority vote of the Shareholders casting votes. Therefore, in accordance with the
calculation system of PT Kustodian Sentral Efek Indonesia and the Share Registrar, the numer of
Abstain votes are added to the number of Affirmative votes.
G. Resolutions of the Meeting
FIRST AGENDA
1. Approved the Company's Annual Report, including the Report on the Supervisory Duties of the
Company's Board of Commissioners for the Financial Year of 2025, which ended on December
31, 2025.
2. Ratified:
a. The Company's Consolidated Financial Statements for the Financial Year of 2025 ended on
December 31, 2025, which had been audited by Public Accounting Firm Purwanto Susanti &
Surja (a member of the Firm of Ernst & Young Global Limited) in accordance with Report
Number 00072/2.1505/AU.1/07/1865-1/1/II/2026 dated Februray 26, 2026 with a fair opinion
in all material respects; and
b. The Financial Statements of the Micro and Small Enterprise Funding Program (PUMK) for the
Financial Year 2025 ended on December 31, 2025 which has been audited by Public
Accounting Firm Purwanto, Susanti & Surja (a member of the Firm of Ernst & Young Global
Limited) in accordance with Report No.00290/2.1505/AU.2/10/1865-1/1/III/2026 dated March
27, 2026 with a fair opinion in all material respects.
3. Following the approval of the Company's Annual Report, including the Report on the Supervisory
Duties of the Board of Commissioners', and the ratification of the Company's Consolidated
Financial Statements as well as the Micro & Small Enterprises Funding Program (PUMK) Financial
Statements, all for the Financial Year of 2025 ending on December 31, 2025, the GMS grants full
release and discharge of responsibility (volledig acquit et de charge) to all members of the Board
of Directors for their management actions and to all members of the Board of Commissioners for
their supervision actions of the Company carried out during the Financial Year of 2025 ending on
December 31, 2025 provided that such actions do not constitute as criminal offense and were
reflected in the report mentioned above.
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SECOND AGENDA
Approved and determined the appropriation of the Company’s Consolidated Net Profit attributable to
owners of the parent entity for the Financial Year of 2025 in amount of IDR56.652.383.686.675,10
(fifty-six trillion six hundred fifty-two billion three hundred eighty-three million six hundred eighty-six
thousand, six hundred seventy-five rupiah and ten cents) as follows:
1. An Amount of IDR52.102.414.608.484,00 (fifty-two trillion one hundred two billion four hundred
fourteen million six hundred eight thousand four hundred eighty-four rupiah) or IDR346,00 (three
hundred forty-six rupiah) per share determined as Cash Dividend. This amount included the
interim dividend previously distributed to Shareholders on January 15, 2026, totaling
IDR20.632.254.718.348,00 (twenty trillion six hundred thirty-two billion two hundred fifty-four
million seven hundred eighteen thousand three hundred forty-eight rupiah) or IDR137,00 (one
hundred thirty-seven rupiah) per share. Therefore, the remaining cash dividend to be distributed
to Shareholders is IDR31.470.159.890.136,00 (thirty-one trillion four hundred seventy billion, one
hundred fifty-nine million, eight hundred ninety thousand, one hundred thirty-six rupiah)
orIDRp209,00 (two hundred nine rupiah) per share to be paid under the following terms:
a. Dividends for the Financial Year of 2025 shall be distributed proportionally to each
Shareholders whose name were recorded in the Register of Shareholders as of the recording
date.
b. The Board of Directors was granted the authority with the right of substitution, to:
i. Determine the schedule and procedures related to the payment of dividends in
accordance with applicable regulations;
ii. Withhold dividend tax in accordance with applicable tax regulations; and
iii. Undertake other necessary technical matters in accordance with the applicable
regulations.
2. An amount of IDR4.549.969.078.191,10 (four trillion five hundred forty-nine billion nine hundred
sixty-nine million seventy-eight thousand one hundred ninety-one rupiah and ten cents) was
allocated as retained earnings.
THIRD AGENDA
Approving the granting of authority to:
1. The majority of Series B Shareholder or its proxy to determine the members of the Board of
Commissioners’; and
2. The Board of Commissioners, subject to prior written approval from the majority Series B
Shareholder or its proxy, to determine the members of the Board of Directors’,
the salaries/honorariums, along with facilities and allowances for the Financial Year of 2026, as well
as performance-based remuneration for the Financial Year of 2025, in accordance with applicable
regulations.
FOURTH AGENDA
1. Approving the appointment of a Public Accountant from the Public Accounting Firm Purwanto
Susanti & Surja (a member firm of the Ernst & Young Global network) to audit the Company’s
Consolidated Financial Statements, the Financial Statements of the Micro & Small Enterprises
Funding Program (PUMK), and other reports for the Financial Year of 2026;
2. Approving the granting of authority to the Company's Board of Commissioners, subject to prior
written approval from the majority Series B Shareholder, to:
a. Appoint a Public Accountant from a Public Accounting Firm to audit the Company's
Consolidated Financial Statements for other periods within the Financial Year of 2026 for the
purposes and interests of the Company; and
b. Determine the audit fees and other terms and conditions for such Public Accountant and/or
Public Accounting Firm, as well as to appoint a subtitute Public Accountant from a Substitute
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Public Accounting Firm in the event that the Public Accounting Firm of Purwanto Susanti &
Surja (a member firm of the Ernst & Young Global network), for any reason, is unable to
complete the audit services for the Company’s Consolidated Financial Statements for Financial
Year of 2026 and/or other periods within Financial Year of 2026, as well as the Financial
Statements of the PUMK Program for Financial Year of 2026, including determining the audit
fees and other terms and conditions for such substitute Public Accountant.
FIFTH AGENDA
Approving the granting of authority to the Company’s Board of Commissioners, subject to prior written
approval from the majority Series B Shareholder or its proxy, to approve the Company’s Long-Term
Corporate Plan (RJPP) for 2026-2030 and the Company’s Corporate Work Plan and Budget (RKAP)
for 2027, including any amendments thereto. The approval of the Company’s 2026-2030 RJPP and
2027 RKAP, including any amendments, shall be carried out in accordance with good corporate
governance and prevailing regulations, with due regard to fairness and transparency, and shall have
been coordinated with the Series A Dwiwarna Shareholder or its proxy to ensure alignment with
Government policies.
SIXTH AGENDA
The Meeting accepts the Report on the Realization of the Use of Proceeds from the BRI Social Bonds
I Phase I Year 2025 and the BRI Social Bonds I Phase II Year 2026.
SEVENTH AGENDA
1. Approving the amendment to the Company’s Articles of Association in connection with the
reclassification of the Company’s shares, namely the conversion of 806,109,768 (eight hundred
six million, one hundred nine thousand, seven hundred sixty-eight) Series B shares owned by the
Republic of Indonesia through the State-Owned Enterprise Regulatory Body into Series A
Dwiwarna Shares, in order to comply with Law No.16 of 2025 concerning the Fourth Amendment
to Law No.19 of 2003 concerning State-Owned Enterprises.
2. Approving the amendment to the relevant provisions of the Company’s Articles of Association
related to the resolution under item 1 above.
3. Granting power and authority to the Board of Directors with the right of substitution to carry out
all necessary actions in connection with the resolution of the Seventh Agenda of this Meeting,
including to compose and restate the entire Articles of Association of the Company in a Notarial
Deed, as well as amending the Company’s data, and to submitting the same to the competent
authorities to obtain approval and/or receipt of notification of the amendment to the Company’s
Articles of Association and amendment in the Company’s data, as well as to undertake all
necessary and appropriate actions for such purposes without exception, including making any
additions and/or amendments to the said amendment of the Articles of Association if required by
the competent authorities.
H. Schedule and Procedure for the Distribution of Cash Dividend for the Financial Year 2025
In accordance with the resolutions of the Meeting on the Second Agenda, the Company hereby
announces that the Company will distribute Cash Dividend for the Financial Year of 2025 to
Shareholders amounting IDR52,102,414,608,484.00 or Rp 346.00 per share. This amount includes
the Interim Dividend previously distributed to Shareholders on January 15, 2026 amounting
IDR20,632,254,718,348.00 or IDR137.00 per share. Therefore, the remaining cash dividend which
will be distributed to the Shareholders is in the total amount of IDR31,470,159,890,136.00 or
IDR209.00 per share
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DIVIDEND DISTRIBUTION SCHEDULE
No Description Date
1 Last date of the Trading Period with Dividend Rights (cum Dividend):
- Regular and Negotiated Market April 20, 2026
- Cash Market April 22, 2026
2 First date of the Trading Period without Dividend Rights (ex Dividend)
- Regular and Negotiation Market April 21, 2026
- Cash Market April 23,2026
3 Record date of Shareholders entitled to Dividend April 22, 2026
(Recording Date)
4 Payment Date May 8, 2026
DIVIDEND PAYMENT PROCEDURES
1. Cash Dividend will be distributed to Shareholders whose names are recorded in the Company’s
Register of Shareholders and/or Company’s Shareholders recorded in the Securities Sub-Account
at PT Kustodian Sentral Efek Indonesia (‘KSEI’) as of the close of trading on April 22, 2026
(Recording Date).
2. For Shareholders whose shares are held in KSEI’s collective custody, cash dividend payments will
be made through KSEI and be distributed to the Customer Fund Account (‘RDN’) at Securities
Company and/or Custodian Bank on May 8, 2026 The payment receipt of the cash dividend will
be provided by KSEI to shareholders through their respective Securities Companies and/or
Custodian Banks. For Shareholders whose shares are not held in KSEI’s Collective Custody
(‘Script Shareholders’), the cash dividend will be transferred directly to the respective
Shareholders’ bank accounts.
3. The Cash Dividend will be subject to taxation in accordance with the prevailing tax laws and
regulations, with the following explanation below:
a. The Cash Dividends will be excluded from taxable income if received by shareholder of the
domestic corporate taxpayer ('WP Badan DN') and the Company will not withhold Income
Tax (‘PPh’) on the Cash Dividend paid to the WP Badan DN.
b. In accordance with the Government Regulation No.9 of 2021 concerning Tax Treatment to
Support the Ease of Doing Business, Minister of Finance Regulation No.18 of 2021 and its
amendments (PMK 18/2021), and the relevant tax regulation, the Cash Dividend received
by Shareholders of Domestic Individual Taxpayers (‘WPOP DN’) shall be excluded from
taxable income provided that such dividend are reinvested within the territory of the Republic
of Indonesia. For WPOP DN who do not satisfy the reinvestment requirements, the relevant
the dividend shall be subject to PPh in accordance with the provisions of the prevailing laws
and regulations, and such PPh must be self-assessed and paid by by the respective WPOP
DN.
c. For Shareholders who are Foreign Taxpayers, whose tax withholding will be based on the
applicable Double Taxation Avoidance Agreement (‘P3B’), must comply with the
requirements of the Director General of Taxes Regulation No.PER-25/PJ/2018 concerning
Procedures for the Implementation of Double Taxation Avoidance Agreement, and must
submit the required DGT Form/Certificate of Domicile (‘SKD’) that has been uploaded to the
Directorate General of Taxes system to KSEI or Securities Administration Bureau, in
accordance with the applicable submission deadlines set by KSEI. In the absence of this
document, the Dash Dividend payment shall be subject to Article 26 of Income Tax at a rate
of 20%.
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4. The Company's Shareholders may obtain confirmation of Cash Dividend payments through their
respective securities company and/or custodian bank where the Company's shareholders open a
securities account, then the Company's Shareholders are responsible for reporting the receipt of
such dividends in their tax filings in the relevant tax year in accordance with applicable tax laws
and regulations.
5. In the event there are tax-related issues or claims later for Cash Dividends that have been paid
to and received by Shareholders whose shares are held in the collective custody of KSEI, such
matters should be resolved through the respective securities company and/or custodian bank
where the Shareholders open securities accounts based on to the applicable tax provisions.
Jakarta, April 13, 2026
PT Bank Rakyat Indonesia (Persero) Tbk
BOARD OF DIRECTORS
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Attachment
Share Holder/Number of
Agenda Statement/Opinion
Share(s)
1 The State-Owned Enterprises In order to optimize the Company’s performance and improve the
Regulatory Body of the effectiveness of supervision over PT Bank Rakyat Indonesia (Persero)
Republic of Indonesia as Series Tbk/”BRI”, we hereby convey the following:
A Dwiwarna Shareholder 1. The performance achievements of BRI in 2025 reflect the
collective efforts of the Board of Directors, the Board of
Commissioners, and all employees of BRI. We note a number of
positive achievements during 2025, including loan growth, CASA
growth, and well-maintained Cost of Funds, accompanied by
efforts to strengthen loan quality throughout the year.
However, we also note the increase in expenses, particularly
operating expense and provisioning costs, which have
significantly pressured profit achievement in 2025. In this regard,
Management is expected to strengthen credit risk management,
improve asset quality, and optimize cost efficiency, so that BRI
performance in the coming periods can improve further.
2. Considering the evolving global dynamics, including issues related
to security, trade, investment, and other factors closely linked to
BRI’s business, we request the Board of Directors and the Board
of Commissioners to:
a. Conduct optimal identification and mitigation of risks
affecting BRI’s business and performance;
b. Assess and anticipate both direct and indirect impacts of
such global developments in the short term, as well as
potential longer-term implications that may influence global
economic policies and conditions, which in turn my affect
BRI’s business and performance;
c. In executing business plan, ensure that priority is given to
maintaining BRI’s financial soundness, applying prudent
credit risk management, and upholding Good Corporate
Governance practices.
3. The Board of Directors, under the supervision of the Board of
Commissioners, is requested to follow up on all findings and
recommendations from both internal and external auditors to
prevent recurrence in future periods, and to ensure continuous
improvement in internal control systems and Corporate
Governance practices.
Thank you for your attention and cooperation.
1 PT Danantara Asset As part of the implementation of PT Danantara Asset Management’s
Management role as the SOE Operational Holding, in order to enhance the
as the Majority Series B performance of PT Bank Rakyat Indonesia (Persero) Tbk/”BRI”, we
Shareholder hereby convey the following:
1. Performance Appreciation: We would like to express our
appreciation to the Board of Commissioners, the Board of
Directors, and all employees of BRI for their solid performance
during the Financial Year of 2025. Amid domestic liquidity
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pressures and global geopolitical dynamics, the Company (Bank
Only) recorded loan growth of 10,43%, CASA ratio growth of
5,0%, and improvement in Cost of Funds to 3,27%.
2. Key Areas for Performance Improvement: The following areas
require the attention of the Board of Directors and the Board of
Commissioners:
a. Loan Growth: The Company is expected to maintain healthy
loan growth and profitability, while further exploring credit
opportunities in non-micro segments.
b. Funding structure: Strengthen the funding base and
continuously increase low-cost retail funding to ensure
liquidity stability and market confidence.
c. Operational Efficiency: Enhance cost efficiency strategies and
optimize other operating income (such as fee-based income
and loan recovery income) to mitigate pressure on interest
margin.
d. Asset Quality: Maintain asset quality through more selective
loan disbursement and prudent risk management.
e. Risk Management: Strengthen capabilities in managing non-
performing loans and ensure adequate provisioning levels.
f. Digital Services: Enhance reliable, user-friendly, and secure
digital banking services, including cybersecurity aspects.
g. Strategic Initiatives: Accelerate the implementation of
streamlining initiatives while upholding Good Corporate
Governance (GCG) principle.
h. Sustainable Financing: Maintain commitment to ESG
initiatives, both in loan disbursement and debt issuance, in
line with green financing principles.
We appreciate your attention and cooperation.
1 Hengky F Question:
As presented in the data, Indonesians are already living on debt,
savings, and pawning goods. Coupled with the current geopolitical
situation, please reduce lending interest rates
Remarks:
Not relevant.
1 Andre Question:
What are the main factors behind the increase in loan provisions? Is
this still related to COVID-19 legacy accounts. Or is it driven by a
broader increase in NPL within the MSME portfolio? Or is the Company
facing challenges in acquiring low-cost deposits?
Answer:
The increase in operating expenses was primarily driven by higher
provisioning costs (CKPN), especially loan provision that was from the
loan disbursed and affected by the COVID-19 pandemic.
2
Names mentioned 29 people and organisations named in the text · linked when the evidence is strong
unresolved
org
Bank BRI Social Bond I Phase I
p.1
unresolved
org
PT Datindo Entrycom
p.2
unresolved
person
Fathiah Helmi
· Notaris
p.2
unresolved
org
Financial Services Authority
p.3
unresolved
org
PT Kustodian Sentral Efek Indonesia
p.3 ×3
unresolved
org
Young Global Limited
p.3 ×2
unresolved
org
Minister of Finance Regulation
p.6
unresolved
org
Directorate General of Taxes
p.6
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